97 Phyllis Dr, Spencer, IN 47460 Property Records

Owen County property record for 97 Phyllis Dr, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,632 sqft · built 1991
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$165,200 (Feb 2016)
Tax Bill	$1,416 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-23-400-160.270-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-23-400-160.270-027`
Alternative APN	`00001029153`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1999
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	198 ft deep x 150 ft wide
Terrain	High
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001029153
Street Address	97 PHYLLIS DR
City	SPENCER
State	IN
Zip	47460-6695
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN SW SE S23 T10 R3 .69A AKA LOT 27 TUCKER ESTATES
Legal Range	3
Legal Township	10
Legal Section	23
Legal Subdivision	TUCKER ESTATES
Legal Lot Number	27
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1011
Census Tract	955800

Owner

Source: Owen County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	97 PHYLLIS DR, SPENCER, IN 47460-6695
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2016 · Amount on Record
Deed Sale	Feb 5, 2016 · Amount on Record
Deed Document Number	2016204274
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	97 PHYLLIS DR, SPENCER, IN 47460-6695
Transaction Type	Mortgage
Record Updated	Dec 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	226995
Date	Oct 29, 2021
Instrument	226995

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Tax Assessment & Valuation

Source: Owen County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Washington Township
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,416.00 (-21.07%) Homeowner's exemption	$239,400 (+5.14%) Land $24,900 Building $214,500	$239,400 (+5.14%) Land $24,900 Building $214,500
2024	$1,794.00 (+8.53%)
2023	$1,653.00 (+10.87%)	$227,700 Land $24,900 Building $202,800	$227,700 Land $24,900 Building $202,800
2022	$1,491.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 9, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	15 (2003–2025)
Claims Outside the SFHA	4 of 15
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 2 claims Severe Storms, Flooding, And Tornadoes, Jun 2008 · 7 claims Severe Winter Storms And Flooding, Jan 2005 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
South Central Indiana REMC Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20